What’s covered:
Illness or Injury: You become seriously ill or injured and are advised not to participate by a doctor.
Family Emergency: A family member is hospitalized or needs your care unexpectedly.
Car Breakdown: Your vehicle breaks down, preventing you from getting to the booked activity.
Job Loss: You or your spouse lose a job (after 3+ years)
Emergency Service Duty: You are called to active duty as military, police, fire personnel, or first responder.
Pregnancy/Adoption: A child is placed in your care or you become pregnant after booking and a doctor advises you against participating.
Home Emergency: Your home becomes uninhabitable due to flood, burglary, vandalism, or a natural disaster.
What’s not covered:
Pre-existing medical issues (from the past 180 days)
Personal schedule conflicts
Foreseeable events at the time of booking